DiVita Home Finance provides expert mortgage services throughout Sacramento County and the greater Sacramento region — California’s capital city and one of the state’s most dynamic real estate markets. Whether you’re buying your first home in Elk Grove, refinancing in Roseville, or investing in Sacramento’s growing urban core, our team delivers fast pre-approvals and competitive rates.
Sacramento’s Housing Market in 2026
Sacramento has emerged as one of California’s most sought-after housing markets, drawing buyers from the Bay Area seeking more space at lower prices. With median home prices well below the Bay Area and strong job growth driven by state government, healthcare, and technology sectors, Sacramento offers genuine value for buyers at all price points.
Loan Programs Available in Sacramento
- Conventional Loans — as low as 3% down for qualified buyers
- FHA Loans — 3.5% down, excellent for first-time buyers throughout Sacramento County
- VA Loans — 0% down for veterans; significant military and veteran population in the region
- Jumbo Loans — for higher-priced properties in Granite Bay, El Dorado Hills, and East Sacramento
- USDA Loans — 0% down for qualifying areas in Sacramento County’s rural outskirts
- Bank Statement Loans — for self-employed buyers and business owners
2026 Conforming Loan Limit — Sacramento County
The 2026 conforming loan limit for Sacramento County is $806,500 for a single-family home. Most Sacramento-area purchases fall within this limit, keeping access to conventional and FHA financing broad.
Cities We Serve in the Sacramento Region
DiVita Home Finance originates mortgages throughout the Sacramento area including Elk Grove, Roseville, Rocklin, Davis, Folsom, Natomas, Citrus Heights, and Granite Bay.
First-Time Buyers in Sacramento
Sacramento is one of the most accessible markets in California for first-time buyers. CalHFA down payment assistance, strong FHA loan availability, and home prices significantly below the Bay Area make ownership achievable here for buyers who’ve been priced out of coastal markets.
Get Pre-Approved for a Sacramento Mortgage
📞 800-239-1103 | NMLS #323700 | California DRE #01818285
